USAA put up a strong fight for the Best Overall title but came in a close second because it’s limited to military members and their families. Other than that, USAA is rock solid across the board.
Back in 1922, USAA was founded by 25 Army officers who wanted to insure their cars on their own. Fast forward to today, and USAA offers a wide range of insurance and financial products to members of the U.S. armed forces, Reserve, veterans, and their families.
Headquartered in San Antonio, USAA has a few satellite offices scattered across the United States, as well as in London, Frankfurt, and Luxembourg.
USAA’s standard home insurance policy has some great features. It covers the replacement cost of personal belongings and even includes coverage for the uniforms of active-duty and deployed service members. You might also find optional insurance like earthquake coverage or coverage for home-sharing situations.
If you’re eligible, you can purchase USAA insurance products online using an active membership ID, over the phone, or by visiting a local branch.
USAA makes managing your policy a breeze. They’ve got an automated agent chatbot on their website to assist you in accessing your online account, where you can pay your bill, make changes to your policy, and handle claims. And with an A++ rating from AM Best, the highest financial strength rating possible for insurance companies, USAA proves its reliability.
Average premium for USAA home insurance in Cape Coral: $140/month